Susan Giordano, Principle Broker
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Reliance Realty, Inc.

Reliance Realty has been assisting home buyers with their real estate needs since 1987 by offering a full range of real estate services. Whether you're a first time buyer looking to purchase your first home or a seasoned home owner who hasn't purchased a home in over 3 years, please take the time to review this very informative 15 minute home buying video, 8 Steps to Buying a Home.  This is a must-see video for anyone and everyone who is considering buying a home in today's real estate market.

If you're considering purchasing a home anytime within the next year, you should contact a loan officer as soon as possible and begin discussing the various home loan programs available. Lending guidelines have dramatically tightened up over the past few years, and lenders will factor in your monthly debt obligations such as car payments, student loans, credit cards bills, child support payments and of course, your credit score. So before you begin your home search, contact a loan officer now and allow them to run you full credit profile now, so you know precisely what price range to be looking in and more importantly, what interest rate you qualify for.

There are many different loan options available to buyers today, including zero down mortgage too. Buyers who have thousands-of-dollars saved for their down payment will receive the lowest interest rate possible, while buyers who need closing cost assistance will pay about 1/2% - 3/4% more in an interest rate.

The FHA or VA mortgage is a "safe" mortgage product that allows buyers to purchase their dream home while still keeping a low monthly mortgage payment. This type of mortgage product basically allows a buyer to qualify for 20% - 30% more than if they used a conventional loan product, yet it keeps your monthly mortgage payment at a payment you can afford. This is not a balloon mortgage but rather a fixed mortgage product for the first five year, and then it remains fixed at a slightly higher rate for the remainder of the loan.

No two buyers have the same credit profile, and credit scores and monthly debt both affect the type of financing you receive.  So to see how much home you qualify for, please contact our preferred lender for your free credit check and loan approval. There's never a cost or obligation, so contact a loan officer today and begin previewing homes tomorrow!


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703 Thimble Shoals Blvd., Suite C-4, Newport News, Virginia, 23606